About Brandon Roberts

Brandon Roberts has been a member since April 19th 2012, and has created 301 posts from scratch.

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IPB 027: Life Insurance Policy Expense Comparison

business spreadsheet with percentages and red figures

 

In today’s episode, we dipped into the mailbag and pulled out a question from one of you, our listeners. To be more precise, the question was part of a comment that was asked after episode 25 (Life Insurance as a Retirement Tool Part 1).

Kevin asked: Read More…

IPB 026: Life Insurance as a Retirement Tool Part 2

One broken wrench lies on white background

First, if you haven’t listened to the previous episode (IPB 025), you really should. That episode will provide a bit of context for today’s episode.

I’m sure that most people who frequent this site and listen to our podcast assume that we think life insurance is a virtual financial swiss army knife.

And while it is indeed a wonderful tool. It’s  Read More…

IPB 025: Life Insurance as a Retirement Tool Part 1

tools

 

One of the biggest problems for most Americans is understanding how to convert the balance they have saved in retirement plans, brokerage accounts etc. into an income they can use during retirement.

The financial services industry has done a masterful job at training “advisors” to help their clients accumulate cash. But very few advisors  Read More…

IPB 024: The Ultimate Guide to Paid Up Additions (podcast edition)

PUA_guide_cover_2016

 

We love paid-up additions and if you’ve listened to us at all, you’re not all that surprised. But we’ve made a little misstep in terms of being so broad in our discussion about them.

And we’re always adding new people to our audience. So it bears repeating…

Not all paid-up additions are created equal.

While there are more characteristics with paid-up additions that are similar than different, there are some sharp contrasts that very much matter.

There are four key elements that you need to understand to make an informed decision before purchasing a whole life insurance policy using a paid-up additions rider:

1. Maximum annual paid-up additions payments

2. Lifetime maximum paid-up additions payments

3. Payment flexibility (can the policyholder adjust the paid-up additions rider up and down and can the policyholder make paid-up additions payments as lump sums throughout the year instead of systematically with the premium mode [annual, monthly, quarterly]?)

4. Paid-up addition rider load fees

You can’t just blindly assume that because a policy uses paid-up additions it meets the criteria that we would demand of a properly designed whole life policy.

If you’d like our definitive guide to paid up additions click the button below. Please note that if you already purchased this from us, do not buy it again…the information hasn’t changed.

buy-button

 

Here’s a picture of the Table of Contents to give you a better idea of what’s included:

contents

If that looks like something you might find useful, please go over and purchase the guide here.

2015 Operational Cash Flow Growth for Whole Life Focused Life Insurers

cash-flow-image

We’ve reported on operational cash flow among life insurers in the past and note that we hold this metric in high regard for a multitude of reasons.

Our philosophy is that operational cash flow shows us true profitability of a life insurance company, especially among whole life focused insurers. Why is that? Well, it’s primarily because life insurers have a unique income reducing option at their disposal with policyholder dividends. Read More…

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